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PROSA

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My fiance and I are trying to buy a home. His score is good and mine is 630. Would a bank consider

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Top Contributor
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Short answer is Yes

Depending on your fiance's score and your overall debt picture, you are in a decent position to get approved.  The rate is going to depend on your fiance's score more than yours, since his score being higher is going to carry more weight on your application.  As long as there are no serious delinquencies, you both (as a joint application) may qualify for a lower-ish rate... it all depends on the lender and their criteria.  If it's an FHA loan, you'll already have no problem qualifying for the 3.5% down payment.  If it's a private mortgage, they dig into income and debt levels in addition to just credit scores.  Moral to the story...it depends.

Top Contributor
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That all depends on how good his score is, and the reason/s for your low score.  They would consider, but you will/may need to do some rectification of things or explain how you have already rectified them.

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